RBC Life Insurance Denied Disability Benefits
It is very commonplace to receive a long-term disability denial from an insurance company. A denial can catch you off guard, wondering what has happened. Clients are surprised and distressed.
Typically insurance companies cut-off workers’ benefits after 6 to 12 months. RBC Life Insurance Company is no different. They are trying to save their bottom line.
The reason for refusal can differ from case to case. Most people report receiving denials for insufficient medical evidence while others say RBC has determined on their own they can return to work in some capacity. It is up to the person to prove the insurance company wrong.
It is common for people not to even try to challenge RBC’s decision thinking there is no way I can take on a big insurance company. Insurance companies rely on the fact that most people will not appeal their decision as it can seem like quite a daunting task.
After receiving the LTD denial letter, people are not sure how to successfully appeal. What can you do when RBC Life Insurance denies your claim? Here is what you need to know and how to use the RBC Life Insurance appeal process.
The stress and uncertainty can make a difficult situation even more unbearable. We can help
Leaders in Disability Law with Over 5000 Claims Settled
What are the Common Reasons RBC Life Could Deny Your LTD Claim
If RBC Life denies your claim, regardless of the reason, you can get your denial reversed through the appeal process. With the help of an experienced Toronto disability lawyer, you can build a winning case. Himelfarb Proszanski has challenged disability insurance company denial on many occasions.
About RBC Life Insurance: RBC Life Insurance Company is part of the Royal Bank of Canada, a multinational financial services company and currently Canada’s largest bank by market capitalization.
Founded 1864 in Halifax, Nova Scotia, the bank has evolved into a group of companies handling multiple facets of financial services, including Insurance.
RBC Insurance has 2500 employees serving 5 million people, offering them health, home, auto, travel, wealth and reinsurances plans. Group and Private Long-term Disability insurance policies are offered under RBC Life Insurance’s Health plans.
5 Tips for Appealing a Denied LT Disability Insurance Claim by RBC Life
If RBC Life Insurance denies your LTD insurance claim, you need to push on and take the next step. Long-term disability claims are routinely denied by insurance companies. In most instances, you should use the appeal process to fight your case. However, it’s important to do it right to preserve your credibility and build a winning case. A Toronto-area long-term disability lawyer from Himelfarb Proszanski can help.
Here are 5 tips to steer you in the right direction.
(click on each Tip title to view details)
Tip #1: Make sure to obey the timeline for appeal
Tip #2: Review the details mentioned in the denial notice
Tip #3: Understand the terms & “fine print” of your policy
Tip #4: Choose the right appeals process for your situation
Tip #5: Get legal help from a seasoned LTD Lawyer
Denied or Cut-Off Disability Benefits?
Over the last 20 years, David Himelfarb and his team of Disability Insurance legal specialists have helped people facing serious disabilities recover their benefits from almost all active disability insurance companies in Ontario.
Substantiating your disability to prove you are unable to return to work can be extremely challenging. The complexity of the legal system, the specifics of each insurance’s disability policy, its fine-print and the procedural requirements, all these erect a tall wall between you and your benefits. You need an experienced disability lawyer well respected by the insurance companies to overcome the hurdles and secure your disability benefits asap.
OUR CLIENTS
What They Say About Us
"My mother had hired this firm after struggling for her disability claim. Mena Brar and Silene were really helpful and brought us the best. I would recommend hiring based on my mother's experience."
Harvir Ghag
"First and foremost David believed me ie that I was mentally unfit to work. It is not an easy concept. He made it clear to RBC. David supported me throughout mediation and I received much more than anticipated. Thank you so much."
Joanne Berg
